Hello, I'm Tom Allen and I hate debt! I'll bet you do too. Why wouldn't you? You know that debt brings with it a heavy burden that includes not only financial problems but emotional burdens, psychological and physical stress, family problems and a diminished ability to enjoy life. I know because I was in debt most of my life and now that I've found the way out I can tell you - getting out of debt feels great!! It adds a whole new dimension to life, lifts the weight off of your shoulders, lightens your load, puts a spring in your step...I'm sure you get the idea.

Debt - Let's Get Rid of Your Debts Once and For All!

My purpose here is to help you get rid of your debts and start building a financially sound life for yourself. Here's the good news: it's really not that difficult, in fact once you get started it can and should be a lot of fun. The first thing I'll emphasize to you is that, yes, you can do it. I've done it, others have done it, and so can you. You can get rid of your debts and live a debt-free and prosperous life. You can be out of debt much faster than you've dreamed possible and you can get started today. So if you hate being in debt, join with me, and believe me, it's more fun to get out of debt than it was to get into debt. So as of today we're starting a new path but let's look back and see how we got here in the first place.

Debt - It Doesn't Have To Be This Way!!!

There's no reason why you need to be in debt. For most of time there was no debt, at least not in the modern financial sense. There was slavery, indentured servitude and a class system which determined your life by your birthright and gave you no hope of ever making a change. This will give you a good idea of how detailed the systems was, it is the first line of The Magna Carta.

"John, by the grace of God, king of England, lord of Ireland, duke of Normandy and Aquitaine, and count of Anjou, to the archbishop, bishops, abbots, earls, barons, justiciaries, foresters, sheriffs, stewards, servants, and to all his bailiffs and liege subjects, greetings."

That was about 800 years ago and the world has been moving in the direction of freedom and prosperity ever since. For most of the modern world we now have a system that allows one the freedom to make his or her own life decisions. Unfortunately most of us have replaced the old system of slavery/indentured servitude with one called debt. At one time people were enticed to go for a boat ride with the tales of a better life only to find themselves captured and sold into slavery.

Now we're taken for a ride with the tales of "no money down" or "easy monthly payments" and we wind up buying our way into the modern version of slavery, debt. Either way the ride ended the same. The victim wound up with years worth of struggle and bondage, passed the mistake down to their heirs with only the lucky few being able to find a way to freedom.

This is How We Do It!

I'm going to make this fun for you!! Like Norman Cousins who found his way to physical health by learning to laugh in the face of terminal illness, we'll learn to laugh our way to a debt-free life. You'll learn to say things like, 'You gave me credit, what were you thinking?", and "I pull one bill a month out of a hat and pay it and if you call me again I'm taking yours out of the hat!"

We'll talk about the history of debt and the history of the credit card. You'll learn about credit reporting, why you don't want to use credit even when you think you do. And then we'll go dancing and learn the 'I Hate Debt Two-Step', believe me once you're debt-free you'll feel like dancing every single day.

Here's What We're Going to Do

Together we're going to look at exactly what debt is, how it came to be and how it has taken over our lives. I'll offer insights into how the debt business works and how you can easily turn the tables on debt and then turn your back on it and walk away a free person. Living a debt-free lifestyle is not only possible it is something that more and more people are doing. Are you ready to join with us? Then come along and learn the 'Getting Rid of Debt Two-Step.' Just follow the steps and you will indeed become debt-free. And the good news is there are only two steps.

Once you have all of the information you'll decide the best way for you to get out of debt. You'll put together an action plan and you'll start your plan. Don't worry at any time you can, if you so desire, abandon your plan and go back into the never-ending trap of minimum monthly payments and the ever-secure feeling of lifetime debt. Either that or stay on the plan and very shortly have more money to spend, more money to invest and a feeling that everything is possible. Of course, it's your choice.

To make things easier for you I've assembled the best information I could find on The Credit Industry, Credit Reports, Living a Debt-Free and Prosperous Life, and the best Books on Getting Rid of Debt.

Now you can listen to the best getting rid of debt advice available on The I Hate Debt Radio Show. The shows are archived so that you can listen anytime you have the time. Join the I Hate Debt Radio Show revolution. Listen to The I Hate Debt Radio Show.

Let's Get Started

While it's ultimately up to you to make your way down the path, I'm going to do all that I can to make sure you reach the debt-free finish line. When you reach your goal of being debt-free then you begin a new journey towards building a financial nest-egg that will provide you with a lifetime of peace of mind and financial well-being. So let's take the first step towards the finish line.

See how long it will take for your debt to get paid off with one of these four options. We have listed a standard debt amount as a default on the debt calculator. You will need to enter your current personal or business debt amount below to see what your debt payoff amounts will reflect.

What's Best For You:

Minimum Payments?

Debt Consolidation?

Credit Counseling?

Debt Settlement?

Total Unsecured Debt

$30,000.00

$30,000.00

$30,000.00

$30,000.00

Months To
Get Out Of Debt

430

60

60

36

Interest Rate

18.9 %

12 %

10-12% Ave

None

Total Interest Paid

$49,978.53

$10,040.01

$21,300.00

None

Monthly
Payment

$900.00

$667.33

$855.00

$458.33

Total Cost
To Be Debt Free

$79,978.53

$40,040.01

$51,300.00

$16,500.00

Monthly Payments

Months To Get Out Of Debt

Total Cost To Be Debt Free

$900.00

$450.00

$0.00

430

215

0

$79,978.53

$39,989.27

$0.00

Minimum Payments Debt Consolidation Credit Counseling Debt Settlement

Enter Your Debt Information Here:

Your Total
Unsecured Debt:

Your Average
Interest Rate:

Months To
Be Debt Free:

PLEASE NOTE:
This calculator gives you an estimate of how much it will cost you to
get out of debt, how long it will take and how much your monthly
payment may be with the different options to pay off your debt. Keep in
mind "Minimum Payments" assumes you NEVER make any further purchases on
your credit cards and the credit card companies NEVER raise the
interest rate on your cards in the future from the rate calculated
above. The "Debt Consolidation Loan" example is usually only possible
when taking out an "equity line of credit" or "second mortgage", which
involves securing your unsecured debt with your home. This is a very
risky option for most people because the home could be foreclosed if
you cannot make the payments.

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The author of this web site is NOT an attorney and the information contained herein does NOT constitute legal advice. Nor am I a certified financial planner or CPA, so I don't give legally qualified financial advice. If you need tax, investment or legal advice always consult a competent professional.